How can I determine the date when a Roth withdrawal will be considered Qualified?
Roth withdrawals are considered “qualified” if you are at least 59 ½ at the time of distribution, AND your Roth account has been open for at least five years. The example below shows how to determine this date.
| If your first contribution was: | January 15, 2026 |
| The start of your five-year period is: | January 1, 2026 |
| Withdrawals after this date are not subject to taxation (if you are at least 59 ½): | January 1, 2031 |